Salt is a credit system that can use blockchain asset mortgage to obtain cash loans. On the salt platform, users can use their digital currency as collateral to obtain loans. The application process is simplified by focusing on the value of the borrower's blockchain assets rather than credit scores, and the borrower is automatically matched with the huge network of lending institutions. Users do not need to sell digital currency assets to complete borrowing and lending. Salt has always been positioned to provide a blockchain asset mortgage lending platform based on blockchain technology. Users mortgage their blockchain assets such as bitcoin and Ethereum to obtain legal currency loans. On the salt system, users need to obtain salt tokens to participate in the platform and obtain loans. The more SOM tokens users spend each year, they can get more loans. With the salt platform, users can obtain liquidity from their cryptocurrency holdings without selling like other traditional asset classes (such as stocks, bonds, real estate and commodities). Salt loans are entirely collateral, which means that the borrower's credit history is irrelevant. The collateral of any user has the same value as any other person on the platform, regardless of the credit score of each user.